Nationwide | Pet Insurance Review

My dog has had insurance since she was a puppy. She is now 11. I have paid somewhere around $3,750 in fees since getting my dog's insurance through VPI, now Nationwide. My puppy was recently sick and her bill totaled about $800 dollars for two separate Vet visits. Since both of the visits were in the same 'claim period' my reimbursement was greatly reduced. This plan, that I have been paying on for the last 11 years, only reimbursed me $250.00 in TOTAL. So that leaves me with the remaining $550 Vet bill AND the disgust of knowing that I wasted $3750.00 paid over the last 11 years. Quite honestly, if I had to do this over, I would either choose a totally different provider or, open a 'special' savings for my pup and drop $10 in it each payday. If I had done that I would still have over $2000 in that special "vet" fund for her and I would not have thrown away $3750. AVOID this insurance, major ripoff.

Our 8 1/2 year old Cocker Spaniel was diagnosed with patellar luxation which will require possibly two surgeries. We have had VPI since we got the dog from the breeder, and figured someday we will get our premiums back for future claims, as many if not all routine claims were reimbursed at a very low rate, if at all. Well here we are 8+ years later, and guess what? NOT COVERED!!! I don't know if this is just VPI, but suspect it is the same for all pet insurance companies, so my overall rating will be middle of the road.

I have had Nationwide for a year and never submitted a claim until recently. I took my cat to the vet where my vet said she had hyperextension and referred us stating she would need surgery. I took her to Med Vet and they did several exams on her trying to determine why she was walking flat on her paws/legs. After numerous tests and $1,200 no cause could be determined. She also didn't require surgery. I submitted the claim along with vet records from Med Vet and her history at our vet. Previous visits were for skin, ears and teeth related issues. It took a month and a half for them to come back and deny the claim. I called and messaged the company to find out they sent a questionnaire to our local vet (one who referred us) when asked if my vet thought the condition was chronic she stated yes..that was why they denied the claim. My vet only preformed a very minimal exam. She did not even see her walk. She was also seen 2 weeks prior due to vomiting and dehydration. She had no issues with her paws/legs at that time and was even hospitalized to get fluids. They obviously did not take into consideration the very detailed information provided by the vet who spent hours examing her. I cancelled the policies. This company is so fraudulent and they will try to find anyway to deny a claim. Please do not waste your money on this. You will truly end up very disappointed.

Worst company ever I've had them for awhile and submitted two claims. And both were denied. Why have insurance if I still have to pay the whole bill.

I've been with VPI for 14 years, my first English Bulldog had coverage from 6 months old until he passed at 9. No complaints then. I put my 2nd English Bulldog puppy on the plan as soon as I brought him home. I made two claims over the past 4 years for minor injuries and was never paid out because we didn't meet the $250 deductible. However, they just raised my monthly payment by $12 a month with no notice. No letter, not even an email. For the price they are charging, I was able to get a plan with Embrace that offers way better coverage and from the looks of the reviews, much better customer service. Way to go VPI. You've lost another customer.